1. Citizens Bank LSS Deployment Best Case ($K) ResourcesProjectsAvg Proj $2005 Benefits 2006 Benefits 2007+ Benefits Total BB W15 F/T 3 P/T 7 Active 2 Closed 1 Cancelled 6 “Project Ideas” 25 Future Proj. 226 65 250 9454,037.83,3008,283 BB W22319 Active (4 Fraud) 28 “Project Ideas” (2 Fraud) 69 Future Proj. 2501,2949,9189,91921,132 BB W3 – Oct 052550 Future Proj.25005,625 11,250 GB W12314 Active 11 “Unapproved” 50 Future Proj. 402251,2001,2752,700 GB W2 - Jul 052550 Future Proj.40900 1,800 GB W3 - Oct 052550 Future Proj405251,2751,800 GB W4 - Jan 062525 Future Proj40300600900 GB W5 - Apr 062525 Future Proj4075825900 Total391 Projects$2,463$22,582$23,719$48,768

2. Citizens Bank LSS Deployment Current Expectations – No Improvements ($K) ResourcesProjectsAvg Proj $2005 Benefits 2006 Benefits 2007+ Benefits Total BB W15 F/T 3 P/T 7 Active 2 Closed 1 Cancelled 6 “Project Ideas” 15 Future Proj. 6912,4551,2094,355 BB W22319 Active (4 Fraud) 28 “Project Ideas” (2 Fraud) 69 Future Proj. 7676,9009.20016,867 BB W3 – Nov 052550Future Proj.4,1677,36711,533 GB W12214 Active 11 “Unapproved” 22Future Proj. 598215281,408 GB W2 - Aug 052550Future Proj.4671,1331,600 GB W3 - Dec 052525Future Proj.200600800 GB W4 - Apr 062525 Future Proj.800 GB W5 – N/A Total313 Projects$1,517$15,010$20,837$37,363 Discounted “Project Ideas” at 50% Cancellation Rate Assume 10 Mo cycle time for BB W1 P2 and beyond Assume 50% attrition for BB W1 BBs starting P3 – Projects 5+ slip beyond the July 05 30% cancellation rate for TL projects 3 – 25% for project 4 20% cancellation rate BB W2 projects, 10 Mo Cycle Time